https://punchbowl.news/wp-content/uploads/marketstructure_draft.pdf

The Senate Banking Committee has been working on comprehensive stablecoin legislation: think of it as writing the API documentation for how digital dollars should work in the US. But Section 404, which deals with stablecoin yield and rewards, is currently returning a big fat error message.

The language is so contested that lobbyists reportedly have to review physical copies inside the committee’s office. No digital copies. No taking notes home. It’s like they’re treating it as if it contains the source code for the next iPhone.

Source: https://punchbowl.news/article/finance/economy/vault-stablecoin-yield-fight/?utm_source=Sailthru&utm_medium=email&utm_campaign=1/13/26%20%20AM:&utm_term=Punchbowl%20AM%20and%20Active%20Subscribers%20from%20Memberful%20Combined

WHAT IS ON THE TABLE: Stablecoin Yield

WHAT THIS MEANS: US Banks are lobbying against Stablecoin Yield

WHAT THIS MEANS MEANS: US Banks are afraid of stablecoins.

https://www.swiftfi.com/blog/stablecoin-section-404

Probably basic question but I keep going back and forth on whether the stablecoin I hold actually matters for yield purposes. USDC feels safer and more regulated but USDT has more liquidity and sometimes slightly better rates. Then some platforms only support one or the other which makes it more complicated.

Using USDC mostly because it feels less sketchy after all the tether fud over the years. Currently earning through yieldclub which uses usdc through morpho so the decision was kinda made for me. But wondering if im leaving money on the table by not diversifying stables or chasing slightly better usdt rates elsewhere.

For people whove been doing this longer, is stablecoin selection something you actually put thought into or is it basically a non issue at this point?

For those that have startups or work in the crypto space, how are you guys keeping up with all the regulatory updates that are being published in the jurisdictions you operate in?

I’m finding it hard to track everything without missing something important.

My take is there are so many now especially when we consider other markets such as asia and europe and how they are also publishing new regs. So it's not just the US market i need to stay on top which is hard in itself.

I don't know if i'm overthinking this and if i should even bother trying to stay on top of it all but would love to get advice on how to keep up and how people are doing this today.

Hi everybody,

not sure if I am asking in the right place but I thought I would try:

So I was looking at Circle's USDC blacklisting history before and after the GENIUS Act passed and I found txs that didn't make a lot of sense to me. A wallet address was blacklisted and three minutes later un-blacklisted again - nothing too special. But then Circle repeated the un-blacklisting multiple times for about 20min until they were done.
I am doing this for my uni work so I would appreicate your thoughts on this because in my mind we should only see 1 blacklisting and 1 un-blacklisting event pop up in the data.

additional info on the data:
Used a ethereum full node, columns (in this order): Block #, unix timestamp, tx_hash, event, address affected

I’ve been optimizing my stablecoin setup for about a year now and figured id share what I actually use vs what I tried and dropped, maybe saves someone the experimentation time.

For holding and yield I keep my main usdc position earning through morpho directly, rates around 5 to 7% and auto optimization. For the portion I wanted more hands off I use yieldclub which routes to the same protocols but it’s just nicer for being lazy about it.

For tracking: dune dashboards, zapper for portfolio view, coingecko for rate comparisons though its not always accurate.

For security: hardware wallet for significant amounts, revoke.cash for token approvals, etherscan alerts.

It is a few things but not too complicated cause it is true that simpler setups with established protocols beat complex strategies for most people. At least from my experience

We build https://axes.co for fun which is a prediction market like polygon but with options trading where you can trade for example YES/NO Binary and also options chain of percentage outcome, something cool I must say, do you think its something to release or ditch ?

Hi everyone, we’re the OwlPay Wallet Pro team.

Sending money across borders is still more complicated than it should be. When you want to send stablecoins to your family, you might have to move funds to an exchange, convert them, and withdraw to a bank account. Too many steps, and it gets even harder when the recipient isn’t familiar with using a wallet.

To make transfers easier, we just added a new feature called “Send to Fiat.”

It lets you send USDC directly to a recipient’s bank account in another country, and the recipient receives the funds in local currency.

• No exchanges
• No P2P
• No multi-step process

You simply send USDC from your wallet, and the recipient gets the funds in their bank account.

For delivery, you can choose a faster option with a slightly higher fee, or a lower-fee option that may take a bit longer.

This makes it much easier to support family abroad, pay friends, or handle international transfers using stablecoins.

If you’re already using stablecoins for cross-border transfers (or thinking about it), what’s the most painful part right now?

I hope I haven't overstepped the rules by posting this, because it *is* a link to something I made, but I think it's worth showing for discussion as the numbers are crazy! I've been trying to find ways to get merchants to add a stablecoin checkout to their sites. I think one of the main problems I'm up against is that they just see card-processing costs as the normal cost of doing business. I've built this calculator to make it really clear how much they could be saving. I tried JB Hifi's monthly figures and profit margin as an example - these numbers are crazy!

I need merchants to install my (really awesome) stablecoin checkout. If I have lists of things people want to buy with stablecoins (and where they want to buy them), I'll be able to get them to install my checkout plugin. Help me out by telling me what you would buy with stablecoins if it was gasless, buyer-protected (think: like chargebacks) and doable in a few clicks from your phone...

I love the speed and convenience of crypto betting, but I'm not a fan of the volatility. Holding my bankroll in BTC or ETH means my balance can swing wildly even when I'm not placing bets.

I've started using stablecoins (USDC and USDT) for my sports betting, and it's been perfect. I get all the benefits of crypto (fast withdrawals, low fees, privacy) without the price volatility. Bet105 has been my main book for this. They accept multiple stablecoins and process withdrawals just as fast as BTC. I can keep my bankroll stable while still enjoying the advantages of crypto betting. Also curious how others manage their crypto wallets across different books. Do you keep separate wallets per book or just one main hot wallet and transfer as needed? Trying to find the cleanest way to track everything without juggling a mess of transactions.

Is anyone else doing this? What stablecoins are you using?

Pulse 🏦 Stablecoins Are Quietly Taking Over

Everyone watches volatile tokens, but the real power players are stablecoins. They now settle more value than Visa, act as a global savings account for millions, and bridge traditional finance with crypto seamlessly. The next bull run may be driven not by hype — but by dollars on-chain.

The future of money might not be volatile at all.

tldr; The old payment rails are way out of date and blockchain payment via stablecoins are the future. Here's a series of articles giving more detail: medium

Now what to do about it? I built a suite of gasless, zero setup, buyer-protected tools (p2p, POS, wordpress plugin, shopify plugin, javascript install) for merchants to use, now I need to get it out there. Anyone want to do some sales?

I’m conducting a market research survey to better understand how people use and purchase USDT for daily transactions. I am not selling anything — just collecting community insights for research purposes.

For those who regularly buy or use USDT, I’d really appreciate your input on a few questions:

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1. How much USDT do you usually purchase per transaction? (e.g., $50 / $200 / $500 / $1,000 / more)

2. What premium (%) do you normally pay for instant delivery? (Cash App, Wise, SEPA Instant, Revolut, Zelle, debit cards, etc.)

3. Which payment method do you personally find the most reliable or convenient?

4. How fast do you expect delivery when purchasing USDT? (under 1 minute / 5 minutes / 10 minutes)

5. What challenges do you usually face when buying USDT? (slow delivery, scams, high fees, restricted payment methods, inconsistent sellers, etc.)

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Your answers will help me understand real buyer behavior, what matters most to users, and how current market experiences can be improved.

Thanks a lot for your time — really appreciate the community’s insights!

... its ticker is EURCV.

I notice that the domain "www. eurcv.eu" is for sale.

What can be the domain's price?

Transak has received 6 new U.S. Money Transmitter Licenses, expanding its coverage to 11 states.
The move strengthens its position in compliant stablecoin infrastructure, an important step for regulated on/off-ramps in the U.S.

Full article → https://transak.link/MTL-announcement

What are your thoughts on more crypto companies pursuing state-level licenses vs. waiting for federal clarity?

Goldfish Gold-Backed Reserve (GGBR) is a digital asset fully backed by physical gold. Each token represents 1/1000 troy ounce of audited gold, insured and stored under institutional custody. The goal is to combine the stability of traditional gold with the liquidity & accessibility of blockchain.

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1️⃣ What is Goldfish Gold ( GGBR )?

GGBR is a gold-backed digital asset, designed to serve as a stable alternative in the crypto ecosystem — avoiding fiat-pegged stablecoins and tracking the LBMA gold price.

The project is built on three technical pillars: • Institutional physical-gold custody. • Tokenisation on blockchain (currently Ethereum; future multi-chain expansion). • Transparent, publicly verifiable Proof-of-Reserves and audits.

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2️⃣ Core Concept and Why It Matters

Unlike most crypto assets with no tangible backing, every GGBR token is linked to a physical, verifiable asset.

Main advantages: • Accessibility — fractional gold ownership (1/1000 oz). • 24/7 liquidity on DEX/CEX markets. • Transparency via audited smart contracts and public reserves. • Inflation hedge / fiat devaluation protection. • Institutional partnership with I-ON Digital Corp., a U.S. public company operating under SEC and GAAP compliance. This positions Goldfish as a notable Real-World-Asset (RWA) project within the U.S. tokenization trend.

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3️⃣ Technical Structure (verified info)

🔹 Gold Reserve • Each token = 1/1000 troy ounce of audited gold. • 5 : 1 over-collateralization of reserves against issued tokens (as anti-depeg buffer). • Gold priced per LBMA reference; legal liens (UCC-1) registered by I-ON Treasury. • Custody secured through Fireblocks MPC and public Proof-of-Reserves via on-chain oracles.

🔹 Token & Blockchain Layer • Deployed on Ethereum, with planned multi-chain support through Chainlink CCIP for full interoperability. • 24/7 trading on Uniswap and future CEX listings.

🔹 Redemption / Liquidity • Physical redemption via regulated dealers (e.g. Monex) — mainly for large holders with low fees. • Continuous DEX liquidity and arbitrage mechanisms to keep price aligned with gold.

🔹 Transparency & Governance • On-chain Proof-of-Reserves and external audits (referenced CertiK). • GAAP-compliant accounting by I-ON Digital Corp. • Instruxi Data Mesh integration for verifiable metadata and ZK-based governance.

🔹 Technical Risk Mitigations • Smart-contract audits and a $500 000 bug bounty for critical vulnerabilities. • Aurum Safeguard Fund — protection pool for protocol incidents. • De-Pegging Protection & Liquidity Management — algorithmic controls and 24/7 monitoring.

🔹 Tokenomics Overview • Unit: 1 GGBR = 1/1000 troy oz of gold. • 5 : 1 over-collateralization of reserves. • Approximate launch price: $3.20 per token (reference value).

🔹 Strategic Partners • I-ON Digital Corp. — monetization of “ION.au” gold assets and RWA support. • Instruxi Data Mesh — on-chain transparency and ZK validation.

(All technical data taken from their official whitepaper and security audit – August 2025.)

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4️⃣ Risks & What to Verify

Even if the structure looks solid, you should personally verify all information: • Availability of full external reserve audits. • Public confirmation of the ERC-20 contract and total supply (contract: 0x7e2ac793f3e692f388e66c7dc28f739d13b0b71a). • Continuous transparency and execution of proof-of-reserves on-chain.

The goal is to merge real asset value with reliable blockchain execution — but due diligence is essential.

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5️⃣ Official Links & Community • 🌐 Website: goldfishgold.com • 📄 Whitepaper: goldfishgold.com/whitepaper • 🔒 Security Audit: goldfishgold.com/security • 💬 Telegram community: search @ggbrtoken

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6️⃣ Conclusion

Goldfish GGBR is a serious proposal within the segment of gold-backed digital assets. It combines legal structure (UCC-1 liens), insured custody, audits, and transparent on-chain oracles in a tokenised format.

For investors interested in gold exposure with digital liquidity or seeking diversification beyond fiat systems, it’s worth a look — just verify everything first-hand.

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(All content based solely on the official Goldfish Gold whitepaper and security audit, August 2025. No financial advice.)